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Health benefits for a 5-person company in New York: what it actually costs

$675 a month gives five employees a local doctor with unlimited visits, and $1,625 a year gives them a dentist with cleanings included. Group insurance for five people runs about $3,285 a month in employer premiums for single coverage, and most carriers want a minimum number of enrollees before they'll write the plan. At five people you're usually too small for a good group rate and too big to ignore the question. A membership has no minimum and no underwriting.

The math for 5 employees

Example: 5 employees
$675/month

5 employees × $135/mo for a Long Island doctor membership (Huntington Direct Primary Care, unlimited visits), plus $1,625 once a year for dental at $325 each. That's $9,725 for the year for a doctor and a dentist for everyone, versus roughly $39,420 a year in employer premiums alone for single coverage on a group plan.

Doctor memberships your team could pick from

PracticeTownEmployer pays
AMG Medical Group (Basic)Midtown Manhattan$79/mo
Huntington Direct Primary CareHuntington$135/mo
AprilMDBabylon$169/mo
Safe Harbor MedicalPort Jefferson$219/mo
U Care MDMidtown Manhattan$245/mo

How it works

1You set a budget

Pick a max per employee for a doctor and a dentist. The page shows which local practices fit.

2Each employee picks

They choose their own doctor and dentist from that list. No network cards, no claims.

3One invoice a month

Itemized per person. You pay what each person actually picked. Start or stop any month.

Set a budget and see your team's options →
Or call (516) 927-2771 for free guidance. A real person, no sales pitch.

Common questions

Is there a minimum number of employees?

No. One works. Each person picks their own practice, and you're billed per person.

Can I pay for some of it and have employees cover the rest?

Yes. You're invoiced for everything, and we give you a per-person breakdown to run through payroll however you like.

What if I hire a sixth person next month?

Add them from your dashboard. They get an invite, pick a doctor, and show up on next month's invoice.

What happens if someone quits?

Doctor memberships are month to month; you stop paying for them the next month. Dental is annual, paid on each person's anniversary.

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